SOC 29-1171

Nurse Practitioner Salary in Chattanooga, TN-GA (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + TN
COL Index: 112.89 (+12.9% vs US)
Net Compensation Yield 73.3% Realized
$85,322 / net annual direct deposit
Gross Adjusted $116,480 $56.00/hr
Effective Tax Drag 20.75% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$24,169 $929.57/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $56.00 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,989/yr)
0% Tax Shield: ~$1,538/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$15,258
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,222
Medicare Hospital Insurance
Statutory 1.45%
-$1,689
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$85,322 ($3,281.63 / check)
Category 2 of 6

Chattanooga, TN-GA Nurse Practitioner Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $116,480
MIDDLE 50% (IQR RANGE) 10th $96.5k 25th $103k Median: $116,480 50th (Median) $116k 75th $128k 90th $132k You: $116,480
10th (Entry) $96,480 $46.38/hr
25th (Junior) $103,170 $49.60/hr
50th (Median) $116,480 $56.00/hr
75th (Senior) $127,650 $61.37/hr
90th (Lead/Master) $132,400 $63.65/hr
Career Progression & Licensing Milestones for Nurse Practitioner in Chattanooga, TN-GA
1
Novice Nurse Practitioner (Outpatient)Master of Science in Nursing (MSN) or DNP, Board Certification (AANP/ANCC), State APRN license
$95,086$45.71/hr · 0-2 Years
2
Clinical Specialty Nurse PractitionerSpecialty board credentials (FNP, AGACNP, PMHNP), independent prescriptive authority
$111,162$53.44/hr · 2-5 Years
3
Lead / Senior Nurse PractitionerDepartmental leadership, advanced clinical protocols, multidisciplinary clinical management
$127,661$61.38/hr · 5-8 Years
4
Director of Advanced Practice NursingExecutive clinical leadership, health system APRN governance, doctorate in nursing practice
$147,911$71.11/hr · 8+ Years
Scaled to the Chattanooga, TN-GA medianView National Nurse Practitioner Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Chattanooga, TN-GA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
17% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,231/month Requires minimum annual gross of $49,240
HUD Fair Market Rent (2-Bedroom) $1,340/month Requires minimum annual gross of $53,600
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $24.97/hr
Per adult, 2 working adults + 1 child: $20.79/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Chattanooga, TN-GA.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$116,480-$24,169$85,322$3,281.63
+5h Overtime/Wk45 hrs$138,320-$30,520$99,500$3,826.94
+10h Overtime/Wk50 hrs$160,160-$37,118$113,432$4,362.77
+15h Overtime/Wk55 hrs$182,000-$43,716$127,364$4,898.61
+20h Overtime/Wk60 hrs$203,840-$49,150$142,460$5,479.23
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Nurse Practitioner in Chattanooga, TN-GA: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Tennessee tax codes.

Market Baseline
$116,480/yr
$56.00/hr · SOC 29-1171
Statutory Tax Drag
20.75% Effective
-$24,169 in Total Taxes
HUD 1BR Shelter Ratio
17% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,879/mo
Post-$1,231/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 29-1171
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Nurse Practitioner in Chattanooga, TN-GA: Market Snapshot

Nurse Practitioner roles in Chattanooga, TN-GA report a median annual wage of $116,480, 12.0% below the national median of $132,300. The 10th to 90th percentile band runs from $96,480 to $132,400, and HUD’s $1,231 monthly one-bedroom fair market rent equals 12.7% of that median gross pay. The single-adult living wage benchmark for the area is $24.97 per hour.

Highest-paying metropolitan areas for Nurse Practitioner

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$231,560+98.8%
San Francisco-Oakland-Fremont, CA$219,080+88.1%
Vallejo, CA$182,370+56.6%
Napa, CA$176,270+51.3%
Modesto, CA$173,380+48.8%
Sacramento-Roseville-Folsom, CA$172,010+47.7%
Riverside-San Bernardino-Ontario, CA$169,920+45.9%
Hanford-Corcoran, CA$168,540+44.7%
Santa Cruz-Watsonville, CA$167,190+43.5%
Chico, CA$167,080+43.4%

Top-paying occupations benchmarked in Chattanooga, TN-GA

OccupationMedian annual wageMedian hourly
Chief Executives$209,990$100.96/hr
Architectural and Engineering Managers$163,720$78.71/hr
Computer and Information Systems Managers$152,980$73.55/hr
Financial Manager$151,530$72.85/hr
Administrative Services Managers$130,540$62.76/hr
Human Resources Managers$129,900$62.45/hr
Marketing Managers$124,360$59.79/hr
Purchasing Managers$123,750$59.50/hr
Industrial Production Managers$121,670$58.50/hr
Physician Assistant$121,600$58.46/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 383 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Nurse Practitioner Salary in Chattanooga, TN-GA (2026) Overview

Nurse Practitioner median pay in Chattanooga, TN-GA is $116,480 a year ($56.00/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Nurse Practitioner in Chattanooga, TN-GA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Nurse Practitioner in Chattanooga, TN-GA?

The median annual wage is $116,480 ($56.00 per hour). The middle 80% of earners make between $96,480 and $132,400. Source: BLS OEWS (May 2025).

What is the take-home pay for a Nurse Practitioner in Chattanooga, TN-GA after taxes?

On the median wage of $116,480, a single filer with no pre-tax deductions takes home about $90,774 a year ($7,564 a month) after $25,706 in federal, FICA, state and local taxes, an effective rate of 22.07%, using 2026 tax rules.